Credit Card Thread V6
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 Apr 21 2009, 11:48 PM
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#41
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QUOTE(skincladalien @ Apr 21 2009, 09:30 PM) I am 25 this year and i am currently principal cardholder for a card from affin bank. so this is the cause of reject? because i already principal holder from another bank? Unlikely so. How's your CCRIS record ? Owe lots of money to the bank ? |
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Apr 22 2009, 02:52 AM
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#42
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QUOTE(skincladalien @ Apr 22 2009, 01:39 AM) the only loan i am aware of is my car loan which i paid on time every month. Anyway I just applied for the affin bank cc last month which i submit details like 3 month salary slip, EA form, bank statement, etc and got approved. so i dont think i got a bad record at CCRIS? Better go to Bank Negara to check your CCRIS record. QUOTE(skincladalien @ Apr 22 2009, 01:39 AM) anyway my goal of getting a credit card is done, affin bank used 3 weeks to approve while citibank used about 5 weeks to reject. Initially i was afraid that the affin bank one wont approve so get a sub card cuz i heard its easier to get, now its totally opposite So you've been rejected for a credit card by Citibank very recently ? Hye is right. Usually people will have no problem applying for a supplementary card.  |
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Apr 22 2009, 12:38 PM
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#43
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QUOTE(cute_boboi @ Apr 22 2009, 12:23 PM)  Now that you mention it, I check MBB CC website and is true. Revised from RM18k p.a. to 30k  I guess it is good to filter out unnecessary risk for the bank.  |
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Apr 23 2009, 12:07 AM
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#44
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QUOTE(alexwsk @ Apr 22 2009, 07:08 PM) yea, I noticed the 150k minimum income for SCB Visa Infinite, too bad my salary is not there yet as for RHB, forget it Hye said in the latest "Standard Chartered Priority Banking" flyer it is stated that all "Priority Banking customers" will get a complimentary VISA Infinite now  QUOTE(alexwsk @ Apr 22 2009, 07:08 PM) 2) TMPoint should accept cc, Yes. TMPoint does accept VISA or Mastercard.QUOTE(bingozero @ Apr 22 2009, 07:18 PM) The Maybank staff link it for me, when ever I swap my credit card, it will direct deduct my amount from my saving account. Are you sure you are on a credit card ? Or it's the Maybank VISA debit card. The card with cherry design.Not sure whether I can use for ATM to withdraw money using my credit card. QUOTE(Dozz @ Apr 22 2009, 08:52 PM) just recieved my Visa Infinite card from SCB CONGRATS  God, sound like Rebecca Bloomwood now  QUOTE(aarex @ Apr 22 2009, 09:56 PM) Juz get my CIMB MasterCard... Congrats ! Use it wisely and never withdraw cash advance. Both are more or less the same.  VISA good or MasterCard good?QUOTE(bingozero @ Apr 22 2009, 10:22 PM) Its depend, some of the merchant accept master didn't accept visa, or vice versa Actually i have not been on a situation where a merchant only accept VISA and not Mastercard or the other way around. Usually in Malaysia if they do accept credit card as a mode of payment, then almost 100% they will definitely accept your VISA or Mastercard. Only AMEX (American Express), JCB (Japan Credit Bureau) and Diners Club are not accepted by certain merchants. QUOTE(Zack Styler @ Apr 22 2009, 10:49 PM) Well its better to have both, in case either one of the systems went down, or the merchant did not accept one of them.. Agreed.QUOTE(Dozz @ Apr 22 2009, 11:40 PM) I m SCB Priority Banking Cust, so am eligible for this card and free waiver for 3 years WHAT ? Just three years ? How stingy of them ! Did you ask your RM if you can definitely get another 3 years free when you renew your VISA Infinite three years later and still a Priority Banking customer ? |
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Apr 24 2009, 05:00 PM
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#45
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QUOTE(Dozz @ Apr 24 2009, 03:54 PM) Yes, I apply this card because of this unlimited lounge entries Couldn't be anymore attractive ! one more thing, for SCB Visa Infinite card, you can earn 5X points for oversea transaction and 5x points for all transaction anytime anywhere during your birthday month. FOr example, if your birthday is on July... then the whole july you will earn 5x points plus if you are abroad, you will earn another 5x... total 10x points attractive? But i guess the unlimited lounge entries wouldn't appeal to those who fly Business or First Class or those with Star Alliance Gold and Oneworld Emerald status. This post has been edited by MilesAndMore: Apr 24 2009, 05:03 PM |
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Apr 25 2009, 03:57 PM
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#46
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QUOTE(CSS @ Apr 25 2009, 01:29 PM) Applied CIMB Petronas MasterCard through email with no problems, quite satisfactory Eh ? Didn't know you can apply a CIMB Bank credit card via mail or email. Last time when i helped mom to apply was told to bring all the relevant documents to any CIMB Bank branch so their staff can verify all the documents before they mail it to their card centre. |
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Apr 25 2009, 06:36 PM
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#47
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QUOTE(David83 @ Apr 25 2009, 04:24 PM) I applied my DA using mail. I printed the form, filled and mailed back to the card centre. Now they accept using fax. QUOTE(keeseng12 @ Apr 25 2009, 05:09 PM) does hsbc account have "automated transfer" whereby you can set an amount to be transferred to another account (hsbc as well, different account from the primary under the same name)? Oh, that's news to me. Anyway, going to cancel my CIMB Mastercard soon ... I want to get my own principal credit card  |
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Apr 25 2009, 11:44 PM
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#48
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QUOTE(tinkerbel @ Apr 25 2009, 09:31 PM) @vin_ann, LOL ! Didn't notice that just now. Anyway CONGRATS I actually just realised the new "title" - have absolutely NO idea where it came from or whom it came from ! *shrugs* Anyhow, with this "title" I guess I can't be spamming liow - need to keep certain standards *siGh* |
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Apr 26 2009, 10:02 PM
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#49
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QUOTE(David83 @ Apr 26 2009, 09:48 PM) HSBC Amanah is indeed under different management team since it's a Islamic based CC. It should be under HSBC Islamic Bank. Conventional HSBC CC is under HSBC Bank. I don't see a problem of applying additional conventional CC on top of HSBC Amanah. Indeed HSBC MPower Credit Card-i is issued and governed by HSBC Berhad wholly owned subsidiary, HSBC Amanah Berhad.QUOTE(ellimist @ Apr 26 2009, 09:50 PM) Just out of curiousity, why want to move from Amanah to the regular? Most probably because of the perks offered. Many promotions and privileges do not apply to HSBC Amanah credit card. Shame ...  |
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Apr 26 2009, 11:50 PM
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#50
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Apr 27 2009, 06:46 PM
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#51
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QUOTE(melz84 @ Apr 27 2009, 05:47 PM) Kewl.. luckily can do that... i scare nobody help me take CC when i'm not at home.. haha If AMEX Charge Card usually quite fast. I got mine after 2 weeks +.thanks for the info bro.  but then how long does it takes for them to approve ah? i've never use a CC before.. |
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Apr 27 2009, 09:54 PM
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#52
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QUOTE(CSS @ Apr 27 2009, 09:44 PM) Stupid PBB, charged rm8 for atm silently... Haven't used that account the past year, time to close it...  Anyway, Public Bank is not the sole bank charging RM8 for an ATM card. CIMB Bank, Hong Leong Bank, RHB Bank, AMBank, Alliance Bank, EON Bank, UOB Bank, OCBC Bank, Standard Chartered Bank and HSBC all charge RM8 to those who have an ATM card issued once a year. Only Maybank and Citibank ATM card is annual fee free.This post has been edited by MilesAndMore: Apr 27 2009, 09:55 PM |
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Apr 27 2009, 11:46 PM
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#53
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QUOTE(David83 @ Apr 27 2009, 11:19 PM) I'm kind agreed with you on this. I have plenty MBB products: Hire Purchase, Saving, FD, Auto Insurance, Credit Card. Such a big Maybank customer |
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Apr 28 2009, 02:47 PM
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#54
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QUOTE(David83 @ Apr 28 2009, 07:48 AM) After certain period, you can close it for free right? Not with Public Bank. Other banks will let you close your account for free after 3 months from opening. Anyway, wouldn't be a problem for me as it is the only local bank account i'm holding and will never close it. So i won't have to worry about being charged RM10 QUOTE(donpapachino @ Apr 28 2009, 07:53 AM) 1 month after public bank approved my hire purchase, then i received their gold cc, delivered by hand to my house. It is a complimentary card for borrowing money from them. They offer a Gold complimentary credit to most of their hire purchase and home loan customers. My aunt has one.is that 'normal'? i didnt applied for the cc. perhaps they use my hire purchase application & automatically applied for me? n using my ic intended for the hire purchase indiscriminately to apply for the cc? QUOTE(den0422 @ Apr 28 2009, 09:41 AM) Im an expat. I tried to get a credit card in CIMB and the lady at the counter told me something about Fixed Deposit of 5000 Malaysian Ringgits once my application has been approved. I asked her to explain to me what the fixed deposit is for but I dont think she speaks english that much:( I was hoping someone in here could explain it to me clearly. There are other banks don't need you to do have a time deposit with them. Might as well try other banks. |
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Apr 28 2009, 08:51 PM
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#55
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QUOTE(Regist @ Apr 28 2009, 05:09 PM) I've loan 60k with EON Bank but they did not give me any cards also ....zzzzzzzzzzzzzzzzzz EON Bank really suck. Depends on the staff processing your application. Certain staff will ask you if you are interested applying for a EON Bank credit card while some won't even bother to ask. |
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Apr 29 2009, 08:30 PM
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#56
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QUOTE(princess_autumn87 @ Apr 29 2009, 06:11 PM) Hi there, anyone can recommend me which cc to apply for as my condition below:- Any big outstanding loan ? Or you're a guarantor of some big loans ? Have you paid a visit to BNM to check your CCRIS ? A paycheck above 70k per annum is way above the minimum criteria to qualify for a credit card. Unless there is something seriously wrong or else i can't think of any reason why banks kept rejecting your application.annual income above 70K tax payer for above 3 years annual tax payable around 5-6k current age 20+ clean background no black listed and all But most of my cc's application couldnt succeed |
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Apr 30 2009, 10:53 AM
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#57
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QUOTE(EightPhantomz @ Apr 30 2009, 02:50 AM) Not sure if I want to keep the card. But I do plan to get another card and theyve opened a branch in Puchong which is convenient. And i believe their Puchong branch opens at night on certain days too. |
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Apr 30 2009, 08:27 PM
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#58
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QUOTE(CSS @ Apr 30 2009, 04:45 PM) Was approached by a promoter to apply Maybank AMEX at a Maxis Centre just now, offering 3 year waiver for annual fees and free prudential insurance coverage for a year.... Did you accept it ? Been an AMEX user since February last year. A very happy AMEX customer |
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May 3 2009, 05:57 PM
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#59
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QUOTE(yiivei @ May 3 2009, 05:35 PM) wat do u mean by use another CC to apply for it? Since it is a roadshow, they won't expect you to bring your 3-month payslip, EPF statement or Income Tax Form with you. So the other alternative to apply for a credit card is to use an existing credit card that you have used 6-month to 1 year. Most banks will ask for your credit card that you have used for AT LEAST 1 year though. Very few banks accept 6-month old credit card but there are still banks accepting it. You just have to ask. |
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May 6 2009, 12:23 AM
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#60
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Wow. The Standard Chartered JustOne Titanium Mastercard looks classy. Again, HSBC PREMIER please take note
 This post has been edited by MilesAndMore: May 6 2009, 12:24 AM |
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